Does your job require you to travel frequently all year round? If it does you should really consider getting travel insurance. Life is very unpredictable and one can never foresee disasters before they take place. However, it never hurts to be prepared, especially if you are in a foreign country. Having travel insurance also makes you feel less stressed because you worry less about your wallet being stolen or something happening to you while you are away.
There are various different travel policies and it is important you choose one that best suits your needs. This is dependant on how frequently you travel and which countries you visit most often. It is important to choose a policy that is valid in the countries you frequent